Please give me reviews of Chase checking..........

[momtofour]

I received a $200 offer in the mail for Chase checking. I believe I qualify for free checking since a direct deposit twice a month would be made. Any opinions or experiences with this bank? I only use them for my Disney Visa. Thanks!

 

[SandrA9810]

I was not happy with them, and neither is my aunt. She actually had quite of few CD's and long term savings with them, and they sent her a notice saying they were going to start charging fees since her accounts were "inactive". Well duh, they're savings accounts... not checking. So she closed off the accounts and is only with Wachovia/Wells Fargo. She's also not happy with that merger...

I opened an account for the $100 a year ago. And then they closed the account on me for inactivity after like 2 month. I was more annoyed that they didn't notify me, I found out walking into the bank. I did have it for the 6 month period to keep the money though.

Think of it this way, if they're willing to give you money, than that means they're desperate. If they're desperate, they're not doing too good as a bank. And if you have one little blip, it's a hefty fee to be paying. Ohh and their month is like 28 days, so if your paychecks are say like on the 15th and 30th every month... yeah, that won't work.

 

[platamama]

That's a good signup bonus. Make sure you read the fine print. I've churned a few of these offers over the years at Chase, and have stopped because the direct deposit on the offers I saw were $500 and previously I'd qualified by just transferring $10 from another savings account and it counted as a direct deposit, but no more.

I have my complaints about Chase over the years, but for $200 and easy terms I would do it.

 

[bettymae1121]

I've had no problems with chase. I have their United Airlines Visa for a decade now and a checking account with them for about 3 years. No problems with either. Between DH and I we get direct deposit weekly so no fees. Their website and online bill pay is fast and accurate (no late payments or any other problems) and my local branch is helpful. And I like that I can use ATM's at Disney with no bank fee! Plus, at least in my area, you can't go 3 blocks without a branch or Chase ATM so it's usually easy to get cash when needed. I plan on buying a new car next year and will get my car loan through them too, unless the dealership has a better financing offer.

 

[yakkin' yeti]

I closed my checking account with them last month -- too many hoops and too many hassles.

For $200, it might be worth it, but I would check the fine print -- also, Chase likes to change the terms on you, so you'd want to stay up on it. It was free checking when I opened the account last year, then in Feb. they changed it. I was told by a bank employee (standing in front of me in one of their branches) that since I had direct deposit amounts totaling more than $500 a month that I would still qualify for free checking, but that turned out to be incorrect. Then they said they'd waive the fee, since I was given incorrect information, then they didn't. I got tired of it.

We're with USAA and are much happier with them.

 

[Gr8t Fan]

I've been with Chase for years without any problems.

 

[lisajl]

We just switched to Chase about 6 months ago and have no issues.
We don't have to pay for checking because we have direct deposit.
The one problem I do have is they keep bugging me to start a savings acct.
I have one through ING and my DH has one through the credit union.
Other than that, I like them.

 

[HeyIt'sMe]

We have been with Chase for many years and we've never had a problem. We have a checking account (with direct deposit) and two savings accounts. My teenage DD opened a checking A/C & a savings A/C at Chase a few months ago and no problems.

I also have a Disney Visa and a Chase Freedom Visa - love both cards!

 

[scrapquitler]

I used to work in a bank (not Chase). Honestly, I think that the specific people working in the branch you deal with is moe important than the name on the outside of the building. If you have a good reasonable branch manager or account representative and you build a good relationship with that person, you will find that the bank's rules and regulations are very bendable. The manager or account rep will have leeway to help you out in situations where waiving fees, covering overdrafts or expediting the handling of any problems or special situations. So regardless of whatever bank you open your account at, you should keep this in mind: build a good working relationship, and you won't have issues.

 

[Sadie22]

I used to work in a bank (not Chase). Honestly, I think that the specific people working in the branch you deal with is moe important than the name on the outside of the building. If you have a good reasonable branch manager or account representative and you build a good relationship with that person, you will find that the bank's rules and regulations are very bendable. The manager or account rep will have leeway to help you out in situations where waiving fees, covering overdrafts or expediting the handling of any problems or special situations. So regardless of whatever bank you open your account at, you should keep this in mind: build a good working relationship, and you won't have issues.

This is great advice that has worked for us many times as well. Reading everything carefully has also paid off. Banks are having to make some small changes to stay in business and to comply with new requirements, so we may have to make some small adjustments but nothing that requires us to change our present banking relationships.

 

[2 lil'princesses]

I did the $200 offer just over a year ago in order to save money for Disney. I don't do direct deposit so I have to use the card 6 or 7 times a month which is no big deal. I don't think the rules are that hard to follow if you are at least using the account. I have been very pleased with them and was very happy to have the extra $200 for my trip this past summer. I also got the $200 offer for the Disney card so in all I got $400 from Chase

 

[Fire14]

I personally can't stand place and their crazy fees. I will be closing my checking acct in about a month. I was told I had to have a 500.00 dd every month or use debit card as CC 6x's/mo, kinda makes life hard when # 1 it's your vacation fund acct. and 2 you can't have 2 dd of 250/mo it had to be 1 500 or more deposit. And I can do better at other banks with less hoops.

 

[renessa]

There have been recent changes to the direct deposit requirements that keep standard accounts free for many more people. Check with your personal banker or branch manager. I agree 100% with the poster who mentioned the "relationship" aspect of any bank.

 

[Fire14]

There have been recent changes to the direct deposit requirements that keep standard accounts free for many more people. Check with your personal banker or branch manager. I agree 100% with the poster who mentioned the "relationship" aspect of any bank.

Thank you for this notice but the MAIN reason I opened acct at Chase is no longer there, I will go to branch and see what can be done to keep me as customer but I'd say my mind is pretty much made up already.

 

[Jex]

I was not happy with them, and neither is my aunt. She actually had quite of few CD's and long term savings with them, and they sent her a notice saying they were going to start charging fees since her accounts were "inactive". Well duh, they're savings accounts... not checking. So she closed off the accounts and is only with Wachovia/Wells Fargo. She's also not happy with that merger...

I opened an account for the $100 a year ago. And then they closed the account on me for inactivity after like 2 month. I was more annoyed that they didn't notify me, I found out walking into the bank. I did have it for the 6 month period to keep the money though.

Think of it this way, if they're willing to give you money, than that means they're desperate. If they're desperate, they're not doing too good as a bank. And if you have one little blip, it's a hefty fee to be paying. Ohh and their month is like 28 days, so if your paychecks are say like on the 15th and 30th every month... yeah, that won't work.

LOL at them not doing to good as a bank, I would think their profits compared to other banks closing would suggest otherwise. I have never had a problem with them and I think their online and mobile apps are the easiest to use.

 

[mindsuckr]

You might be able to get past the DD thing if you keep a balance with them. My friend has a job that doesn't offer DD, but they get no charges because they have a larger balance. Not sure if that is an option for you, but could be something to look into.

 

[kydisneyfans]

I'm also in the process of closing my checking account with them. We use a credit union for our main accounts, but used Chase for my expense account.

I've had 2 different "types" of accounts, now my free checking has a $12 per month service charge, even with direct deposit.

I just opened a 2nd account at the credit union and will transfer all funds into that account-at no cost.

I'll keep my credit cards with Chase, they have been fine with a couple of vehicle loans and a home equity I used to have, but I am not paying to access my own money.

I also avoid certain branches as the always seemed to be pressure to meet with a personal banker for something-I usually have about 3 minutes left on a lunch break when I go to the bank.

 

[adoucet]

I've been using Chase for 4 years now and ANY time they make changes, I am notified at least a few weeks in advance. I have never been charged any ridiculous fees either. They have every thing in print. It may be "fine", but it's there. I have also always had a great rep to talk to when I had issues with something (None from them) & even got them to waive a few fees.

I just got my fiancé to switch to Chase from being with Regions because they, on the other hand, made lots of changes & charges without notifying him.

 

[Anne34]

I'm also in the process of closing my checking account with them. We use a credit union for our main accounts, but used Chase for my expense account.

I've had 2 different "types" of accounts, now my free checking has a $12 per month service charge, even with direct deposit.

I just opened a 2nd account at the credit union and will transfer all funds into that account-at no cost.

I'll keep my credit cards with Chase, they have been fine with a couple of vehicle loans and a home equity I used to have, but I am not paying to access my own money.

I also avoid certain branches as the always seemed to be pressure to meet with a personal banker for something-I usually have about 3 minutes left on a lunch break when I go to the bank.

They waive the $12/month fee is you keep $1500 in your accounts (it can be checking, savings, retirement accts, etc -- they just need to be at Chase).